I forgot to mention in my last column that November is Financial Literacy Month! As this may be on the stands a week or two before the end of November, consider yourself told. But as a regular reader you are already looking after your financial intelligence. For this...

(As published in Smart BIZ February 2017) After reading my enlightening columns in Smart BIZ, you sat down with a financial planner and have now guaranteed your income for life by committing to dollar-cost-average investing every month in a diversified and balanced...

(as published in February 2016 SMART BIZ) Wherever you may be in your own financial planning process, you are now being bombarded about making your RRSP investment before the 2015 contribution deadline of February 29th. You should not be making an RRSP investment...

(As published in Lifestyles55+ April 2013) To re-cap, the first step was making sure income exceeds expenditures, through budgeting our cash flows and tracking our actual performance. The second step was dealing with the first “certainty of life”, namely, Death, as in...

(As published in LIfeStyles 55+ July 2012) During our peak earning years, our tax strategy was to defer taxes (through RRSPs) in order to put more income into savings, which also got tax free growth. Part of this tax deferment strategy was to shelter income subject to...

(As published in LifeStyles 55+, June 1, 2012 ) More than likely! You need to understand how the government will take a large portion of your life’s work, money that you thought would be your legacy for your heirs or causes. How much of your savings is still in...